The Lender

DO NOT BORROW FROM THE Lenders.ca.
They practice calling your work place, and harrass everyone there in order to fire the borrower, when one misses the payments, by initiating robocalls every 2 seconds. They do not pay attention to the pay dates when setting up the back payments. HUGE MISTAKES I DID

Depending on the city they will advertise as Hometown Equity Mortgage or TheLender.com. The process to get to closing was brutal. It took us 2 1/2 months to close. They kept using the excuse that there were a lot of applications and they were "super busy," but most mortgage companies are and they are closing in 30 days or less. We were refinancing a loan that had two houses on it, but that bank only caused a 4 day delay. They kept losing documents and then kept asking us to send more documents that didn't make sense to the transaction. We were scheduled to close on 3 different occasions and something would come up on their end and they'd cancel last minute. On the day we finally closed they didn't have the loan documents there until 2 hours later. We thought we were done. No, we received an email at the end of the day stating that they wanted us to bring a different check for the same amount from a different checking account. We worked with a broker and when we tried to call TheLender.com directly they never responded and asked the broker to call us and that wouldn't speak with us about the delays. All in all not a good experience, but on the otherhand we did get 2.78% on two investment properties.